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Jan 18, 2013
01/13
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MSNBC
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the real purpose was to create a political environment to take away all our guns. the american public is largely on board with at least some of the president's agenda. in a new nbc news/"wall street journal" poll, more than half, 56%, say laws covering the sale of firearms should be stricter. so what realistically can the president do? david corn is washington bureau chief for mother jones, joy reid is managing editor of the grio.com and both are msnbc political analysts. joy, how large should he be looking? >> i think the president needs to go in with a large package obviously, but when you talk to individual lawmakers, particularly on the house side, you get the sense two things have to happen. first of all, something has to pass the senate. that theoretically could be large, but the house is going to be a much tougher sled, although i was speaking with a couple lawmakers yesterday who seemed to think parts of what the president wants could actually pass in the house. things that are pretty much noncontroversial, thing like universal background checks that even p
the real purpose was to create a political environment to take away all our guns. the american public is largely on board with at least some of the president's agenda. in a new nbc news/"wall street journal" poll, more than half, 56%, say laws covering the sale of firearms should be stricter. so what realistically can the president do? david corn is washington bureau chief for mother jones, joy reid is managing editor of the grio.com and both are msnbc political analysts. joy, how...
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Jan 19, 2013
01/13
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MSNBCW
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eye 140
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the real purpose was to create a political environment to take away all our guns. the american public is largely on board with at least some of the president's agenda. in a new nbc news/"wall street journal" poll, more than half, 56%, say laws covering the sale of firearms should be stricter. so what realistically can the president do? david corn is washington bureau chief for "mother jones," joy reid is managing editor of thegrio.com, and both are msnbc political analysts. joy, how large should he be looking? >> i think the president needs to go in with a large package obviously, but when you talk to individual lawmakers, particularly on the house side, you get the sense two things have to happen. first of all, something has to pass the senate. that theoretically could be large, but the house is going to be a much tougher sled, although i was speaking with a couple lawmakers yesterday who seemed to think parts of what the president wants could actually pass in the house. things that are pretty much noncontroversial, things like universal background checks that eve
the real purpose was to create a political environment to take away all our guns. the american public is largely on board with at least some of the president's agenda. in a new nbc news/"wall street journal" poll, more than half, 56%, say laws covering the sale of firearms should be stricter. so what realistically can the president do? david corn is washington bureau chief for "mother jones," joy reid is managing editor of thegrio.com, and both are msnbc political analysts....
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Jan 18, 2013
01/13
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CNBC
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as we reinvest, the overall low rate of environment is not unusual. we do have offsets in our loan portfolio as our national strategic non-portfolio runs down or winds off. we have an opportunity to invest in higher yield customer oriented relationships, and so we think we've got some stabilizing forces. it's hard to tell exactly how the market reacted in one given day to our net interest margin. but we feel like we've had pretty good management of it and i'm optimistic we'll maintain some stability in a tough environment in 2013. >> your fee income did come in lower than expected, though, both capital markets and mortgage banking. is that just a one-time only? are we going to see a better series of numbers in 2013? >> well, yeah, capital markets is probably the big driver of any up or down movement in our fee income. the fourth quarter was an unusual quarter in a couple of ways. one, you had the impact of hurricane sandy where the markets were closed for a couple of days. we saw average daily revenue in the business drop from about 1.2 to about $1.1
as we reinvest, the overall low rate of environment is not unusual. we do have offsets in our loan portfolio as our national strategic non-portfolio runs down or winds off. we have an opportunity to invest in higher yield customer oriented relationships, and so we think we've got some stabilizing forces. it's hard to tell exactly how the market reacted in one given day to our net interest margin. but we feel like we've had pretty good management of it and i'm optimistic we'll maintain some...
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Jan 15, 2013
01/13
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CSPAN2
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our core values demand that we maintain and sustain an environment of mutual respect. the air force succeeds because of the professionalism and discipline of our airmen. every airman is critically important, and everyone deserves to be treated with respect. anything less marginalizes great airmen, degrades our mission effectiveness and hurts morale and discipline. in november the chief of staff brought together the air force wing commanders worldwide, more than 156 senior colonels for an unprecedented daylong face to face meeting about sexual assault. as far as or i'm aware, this is the first time all wing commanders have met in a single praise at a single time -- place at a single time on any topic. it was an extremely candid discussion. the chief discussed to them as leaderses they must trial courtly and aggressively address this issue. his message was clear, we must redouble our efforts, and we need to start by assuring that our work environments reflect respect for all airmen. as part of this meeting, the chief announced a health and welfare inspection across the u
our core values demand that we maintain and sustain an environment of mutual respect. the air force succeeds because of the professionalism and discipline of our airmen. every airman is critically important, and everyone deserves to be treated with respect. anything less marginalizes great airmen, degrades our mission effectiveness and hurts morale and discipline. in november the chief of staff brought together the air force wing commanders worldwide, more than 156 senior colonels for an...
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Jan 14, 2013
01/13
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FOXNEWSW
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>> i think we have learned to live in this environment. the reality is we have accepted what appears to be kick the can down the street politics. >> neil: what would you and your fellow ceos do and have a credible debt fix, you probably would have a heart attack, but what would you do? >> it would allow us to feel more secure where we're going. we need to know the rules of the game. that is what we're asking for. i think we as citizens and not business people first. the reality is we know the problems, debt and immigration and reality as a nation when we compete against nation states, how are we going to compete if we can't solve these problems? the issue is not the debt ceiling. the issue is the fundamental core problems of the country and the inability of our congressional leaders and our political class to actually solve them. >> neil: how is it that you are home to some of best? >> they are good for you. >> neil: ron shaich, just a message from wall street. okay. did you hear the one about teacher did not like her students and thoughts
>> i think we have learned to live in this environment. the reality is we have accepted what appears to be kick the can down the street politics. >> neil: what would you and your fellow ceos do and have a credible debt fix, you probably would have a heart attack, but what would you do? >> it would allow us to feel more secure where we're going. we need to know the rules of the game. that is what we're asking for. i think we as citizens and not business people first. the...
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Jan 17, 2013
01/13
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FBC
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and you'll see lyric can also give you exceptionally clear, natul sound in quiet and noisy environments because of how it works with your ear's own anatomy. (testimonial section) (testimonial section) (testimonial section) (testimonial section) (testimonial section) did you know, 94% of people who use lyric would recommend lyric to a friend or loved one. can your hearing aid do all this? lyric can. to learn more about lyric's advanced technology, call or visit trylyric.com for a risk--free 30--day trial offer. you'll also get a free informational dvd and brochure. why wait? hear today what a little lyric can do for you. get the hearing aid that can. lyric from phonak. lyric can. charles: if you think your student loans are bad, china will now drop 250 billion dollars a year to send kids, millions of them, to universities. the goal is to have 195 million chinese college grads by the year 2020. but with the slowing economy, it seems they are going to have a whole lot of kids on their hands with big expectations and little opportunity. sounds familiar. let's get back to the markets. it's b
and you'll see lyric can also give you exceptionally clear, natul sound in quiet and noisy environments because of how it works with your ear's own anatomy. (testimonial section) (testimonial section) (testimonial section) (testimonial section) (testimonial section) did you know, 94% of people who use lyric would recommend lyric to a friend or loved one. can your hearing aid do all this? lyric can. to learn more about lyric's advanced technology, call or visit trylyric.com for a risk--free...
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Jan 19, 2013
01/13
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KPIX
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and that's a huge increase in temperature in the marine environment. >> reporter: how could you characterize the shrimp stocks off the coast of maine today? >> in critical condition. >> reporter: critical? >> critical condition. >> reporter: patrick kelleher is the commissioner of the maine department of marine resources. it's his job to protect the fishery. so he and a committee took the step of limiting the shrimp catch to less than one and a half million pounds-- down 72% from last year. >> it takes a while for this population to catch back up. it's not a rosy picture at all. it's very difficult. very difficult for the managers, but it's a hell of a lot more difficult for the fishermen. >> reporter: the 300 shrimp traps that cost ronald pinkham $85 apiece may never make it out of his backyard this year. so if you're not out shrimping that's a couple people without work. >> three or four people without work. so it kind of snowballs down the line. with the restrictions on shrimping it may be that the only thing pinkham and colby catch this winter is a beautiful sunrise. seth doane, cbs news
and that's a huge increase in temperature in the marine environment. >> reporter: how could you characterize the shrimp stocks off the coast of maine today? >> in critical condition. >> reporter: critical? >> critical condition. >> reporter: patrick kelleher is the commissioner of the maine department of marine resources. it's his job to protect the fishery. so he and a committee took the step of limiting the shrimp catch to less than one and a half million...
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Jan 16, 2013
01/13
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CSPAN
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a look at the environment, disasters and the gulf coast. then a summit on gun violence from john hopkins university. later, a debate on the hurricane sandy relief bill. after the sandy hook elementary school shootings president obama created a task force headed by vice president biden to make new recommendations to curve gun violence. the president will unveil the proposals wednesday, live coverage starts at 11:45 eastern. next, a discussion on issues impacting the gulf coast including natural disasters and a look back at hurricane sandy. we'll hear from the director of the geeological survey. this is an hour. >> our next guest brings home many issues of cascading disasters and municipal events impacting -- multiple events impacting the gulf coast. we are aware of wide range of issues, ranging from hurricanes and the impacts they have on -- the storm impacts, the deepwater horizons bill. today's speakers on this panel are marcia who is the director of the gioological survey. jerome zeringue who is the executive director of the coast of prot
a look at the environment, disasters and the gulf coast. then a summit on gun violence from john hopkins university. later, a debate on the hurricane sandy relief bill. after the sandy hook elementary school shootings president obama created a task force headed by vice president biden to make new recommendations to curve gun violence. the president will unveil the proposals wednesday, live coverage starts at 11:45 eastern. next, a discussion on issues impacting the gulf coast including natural...
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Jan 14, 2013
01/13
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CSPAN
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eye 77
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that is a rich interest level in this environment. you have to wonder if the bank isn't holding on to your loan to maintain that high level of interest. i wonder if the might be worth your while to try to go to another bank and not refinance with the same company. it has become a much more difficult circumstances to get a mortgage because the banks are still recovering from all the bad loans that day made during the real estate mania. host: this idea of the debt to income ratio. that was something richard cordray talked-about. this is from american hero joe. explain this issue for us. guest: this goes to the heart of the ability to repay the loan. we do not want people taking on loans that they cannot afford to repay. 43% is the outside level. if your mortgage debt sure other debt -- car loans, credit cards -- exceed 43% of your growth or pre-tax income, then that is too much. that is a loan that is becoming too onerous and you might have trouble repaying. anything below 43% is acceptable as a qualified mortgage. anything above that s
that is a rich interest level in this environment. you have to wonder if the bank isn't holding on to your loan to maintain that high level of interest. i wonder if the might be worth your while to try to go to another bank and not refinance with the same company. it has become a much more difficult circumstances to get a mortgage because the banks are still recovering from all the bad loans that day made during the real estate mania. host: this idea of the debt to income ratio. that was...
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Jan 17, 2013
01/13
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FBC
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they want to be able to compete, and i want to create a better environment for them, nd that helps our citizens. neil: neil, i'm for an efficient tax system, but i recognize we need taxes obviously, and i'm just wondering whether it borders on irresponsible when there's so many republicans, yourself including, bobby in louisiana, and governor bob mcdonald and getting rid of the gas tax all together, whether you're fooling people? leading them to think get rid of the taxes and survive on minor adjustments in other taxes without creating a real problem. >> neil, that's not what we're trying to do. i made it clear the plan is revenue neutral and budget neutral trying to collect the revenue because we have a certain speedometer -- responsibility in government. neil: how can that make up for just entirely taking away the state income tax? >> because right now our state income tax collects bout $2.4 billion, and we exempt $5 billion in sales tax exemptions so my argument is eliminate a half of those exemptions, and you get rid of the income tax. it's simple in that regard. now, it's not that
they want to be able to compete, and i want to create a better environment for them, nd that helps our citizens. neil: neil, i'm for an efficient tax system, but i recognize we need taxes obviously, and i'm just wondering whether it borders on irresponsible when there's so many republicans, yourself including, bobby in louisiana, and governor bob mcdonald and getting rid of the gas tax all together, whether you're fooling people? leading them to think get rid of the taxes and survive on minor...
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Jan 20, 2013
01/13
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MSNBCW
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it takes me out of this environment for a good six, seven, eight hours. while his dreams offer him a brief reprieve, dennis hall as just made a deal for a far-more significant break. >> mr. hall, raise your right hand for me? do you solemnly swear or affirm that the testimony you're about to give will be the truth, the whole truth and nothing but the truth? >> i do. >> thank you, sir. >> he's been in louisville metro for two years, facing a potential death sentence but has just reached a plea agreement to spare his life. >> at this point in time, mr. hall would like to withdraw his plea of not guilty. >> instead, he will serve 40 years in prison. >> i may die there. 40 years is a long time. it is basically a lifetime. >> place your hands on the wall. >> his co-defendant, heather barringer, has reached an agreement. possession of a forged document. that's all. just those two things. >> it's 10 years at 20%, which is two years. >> because barringer has also been at the jail for almost two years, she could serve as little as an additional three months in pri
it takes me out of this environment for a good six, seven, eight hours. while his dreams offer him a brief reprieve, dennis hall as just made a deal for a far-more significant break. >> mr. hall, raise your right hand for me? do you solemnly swear or affirm that the testimony you're about to give will be the truth, the whole truth and nothing but the truth? >> i do. >> thank you, sir. >> he's been in louisville metro for two years, facing a potential death sentence but...
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Jan 13, 2013
01/13
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CNNW
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. >> the dispatchers and supervisors would operate out of this working environment. they had several different workstations where they could see the trains coming in and out of the station. completely destroyed. need to be replaced and rebuilt. >> the force of the water so great, it even destroyed escalators designed to last 40 years. >> the actual force of the water coming down the escalator lifted the landing plates from position. the pit itself still has several feet of water standing in it. these are one of our escalators that's a total loss. >> so this is going to have to come out altogether? >> come out and be replaced. >> the destruction here is just a part, a big part, but just a part of the pounding that the infrastructure system took as a result of superstorm sandy. just imagine, if you will, what happened to the electrical grid on the eastern seaboard. >> the northeast, obviously, took a real beating as a result of superstorm sandy. and i think it did reveal a number of weaknesses. among them, questions have come up fairly, i think, whether the utilities r
. >> the dispatchers and supervisors would operate out of this working environment. they had several different workstations where they could see the trains coming in and out of the station. completely destroyed. need to be replaced and rebuilt. >> the force of the water so great, it even destroyed escalators designed to last 40 years. >> the actual force of the water coming down the escalator lifted the landing plates from position. the pit itself still has several feet of...
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Jan 16, 2013
01/13
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CSPAN2
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you have increasing interaction with the natural environment. greater doge of complexity, we start to introduce concepts like climate change and conditions of uncertainty, the level of the types of events that can occur there in terms of the order of magnitude and the consequences grows. we know the frequency is increasing. and today we're going talk a little bit about the unique area of the world from a couple of different perspectives. i would like do you think about a couple of things as we do that. the first is overriding concept of resiliency. several months ago they produced a national report on resiliency. national imperative action in moving forward and how to think differently and the interaction of the human built and the natural environment. having done many months in the gulf on several different disasters and crisis that were down there, i come to think of resiliency as similar to the human immune system. the preexisting conditions are not created by the event but to the extend they are present. they are exacerbated and magnify the
you have increasing interaction with the natural environment. greater doge of complexity, we start to introduce concepts like climate change and conditions of uncertainty, the level of the types of events that can occur there in terms of the order of magnitude and the consequences grows. we know the frequency is increasing. and today we're going talk a little bit about the unique area of the world from a couple of different perspectives. i would like do you think about a couple of things as we...
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Jan 18, 2013
01/13
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FOXNEWS
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profits or make one that maybe they think is something more in tune politically whether it's for the environment or for good health, whatever, is that part of conscious capitalism you make a decision not to just go for the dollar? >> actually, conscious capitalism rejects the premise behind that question. >> greta: okay. >> the premise is there's trade-offs and you have to negotiate between the trade-offs, if you're doing something for the environment it must come at the expense of the investors. good conscious leadership is to define win, win, win strategies so all of these stake holders simultaneously winning, that's sometimes not easy requires imagination and creativity. >> greta: taxes and have you thought about our corporate tax rate? >> could have,we have the highest corporate tax rate in the entire world now. japan used to be number one and u.s. number two. they cut their rates and now when you combine state and federal taxes, the highest corporate tax rates in the world. >> greta: how does that affect your business? you're very successful, you're a rich man and how does it affect you and
profits or make one that maybe they think is something more in tune politically whether it's for the environment or for good health, whatever, is that part of conscious capitalism you make a decision not to just go for the dollar? >> actually, conscious capitalism rejects the premise behind that question. >> greta: okay. >> the premise is there's trade-offs and you have to negotiate between the trade-offs, if you're doing something for the environment it must come at the...
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Jan 16, 2013
01/13
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FOXNEWSW
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gun control advocate suggest schools didn't want to bring this type of security to their classrooms environment might be benefited by federal financing. they are talking 50 million even more that could be tossed into legislation to actually federally fund protecting kids with armed guards in schools. >> carl cameron, thank you. the time right now 26 after the hour. coming up a landowner takes his case all of the way to the supreme court after the government forces him to sabotage his own property as protective wetlands and then makes him foot the bill. >> image going in for surgery and coming out with the wrong knee replaced. it happens a lot more than you might think. doctors are turning to pilots to help. we will explain. >> it is 30 minutes after the hour. >> it is if i am for the top 5@5:30. >> hagel flip flopping ahead of his confirm may go hearing. he was gensz un l against unilal sanctions in iran. chuck schumer says hagel now believes we must do whatever it takes to stop iran from obtaining a nuclear weapon. in the past hagel refused to call hezbollah as a terrorist group but now does.
gun control advocate suggest schools didn't want to bring this type of security to their classrooms environment might be benefited by federal financing. they are talking 50 million even more that could be tossed into legislation to actually federally fund protecting kids with armed guards in schools. >> carl cameron, thank you. the time right now 26 after the hour. coming up a landowner takes his case all of the way to the supreme court after the government forces him to sabotage his own...
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Jan 13, 2013
01/13
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MSNBCW
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what sort of environment are we looking at in terms of what assad might do next? >> it is extremely chaotic and unpredictable. because of the internationalization, much has been said this is part of war. with the money coming into it and the weapons, money from the gulf country to the rebels. it is a regional conflict. the fighting is taking place and has regional complications. >> chemical weapons. i believe his statement is he said earlier he is alluding to the chemical weapons and said it could involve u.s. troops saying you have to keep the possibility that if there is a peaceful transition and international organizations get involved that they might ask for assistance in that situation. so defense secretary paneta discussing troops and the weapons. >> for u.s. and israel, they hinted at the fact that they would use force if they needed to ensure them is it falling into the hands of people that could be dangerous. dictators use chemical weapons. in a moment of desperation if this regime feels its back is against the wall and time is running out it may resort t
what sort of environment are we looking at in terms of what assad might do next? >> it is extremely chaotic and unpredictable. because of the internationalization, much has been said this is part of war. with the money coming into it and the weapons, money from the gulf country to the rebels. it is a regional conflict. the fighting is taking place and has regional complications. >> chemical weapons. i believe his statement is he said earlier he is alluding to the chemical weapons...
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Jan 18, 2013
01/13
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CSPAN
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eye 175
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throwing money at their program does not create an academic environment. host: what would have created that environment? guest: a focus on reading, writing, mathematics. host: how much control did you have as a teacher to help those kids? gue caller: absolutely none, there were more administrators. none of them were involved with anyone -- any meaning -- anything meaningful after academic. guest: let me rephrase the caller's statement. one of the items that the panels have looked at is the question of autonomy. when schools are given more freedom to make decisions about their own budget and hiring and firing of teachers, is that correlate with higher achievement? indeed, it does appear to be correlated with that. that is something we need to do more research on and dig into the international date it deeper. the idea that schools should be more autonomous and not overregulated, i think the caller is probably correct on that. guest: when we were discussing poverty, the point was in general, higher levels of parlors -- poverty are correlated with lower levels
throwing money at their program does not create an academic environment. host: what would have created that environment? guest: a focus on reading, writing, mathematics. host: how much control did you have as a teacher to help those kids? gue caller: absolutely none, there were more administrators. none of them were involved with anyone -- any meaning -- anything meaningful after academic. guest: let me rephrase the caller's statement. one of the items that the panels have looked at is the...
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Jan 15, 2013
01/13
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CSPAN2
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eye 57
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so our efforts are very important to try to create this environment is most appropriate. that is what we are doing. there are potential risks and inflation was mentioned. we have obviously used an expansionary monetary policy and we have increased the amount of reserves that banks hold with the bad. there are some people that think that that will be inflationary. personally i don't see much evidence of that. inflation, as i mentioned, has been quite low. expectations remain anchored. private sector forecasters do not seek any inflation coming up, and in particular, we have, i believe, with all the tools that we need to undo our monetary policy stimulus and to take that away for inflation becomes a problem. so i do not believe that you can inflation is going to be a result of any of us. that being said i stability -- in terms of stability, it is well maintained. the other thing worth mentioning is financial ability. this is a difficult issue. the concern has been raised by keeping interest rates very low that the federal reserve induces people to take greater risks in thei
so our efforts are very important to try to create this environment is most appropriate. that is what we are doing. there are potential risks and inflation was mentioned. we have obviously used an expansionary monetary policy and we have increased the amount of reserves that banks hold with the bad. there are some people that think that that will be inflationary. personally i don't see much evidence of that. inflation, as i mentioned, has been quite low. expectations remain anchored. private...
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Jan 16, 2013
01/13
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CNBC
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the low-ends retail environment is more competitive. they have to become more promotional, code word for more discounts. in order to hold their own, they vo have to put real pressure on margins. the higher payroll taxes on consumers, it's very hard to make the case that dollar stores can be owned here. it's true companies have big long-term growth stories, and they have to expand store base around the country. that's not a reason to buy them as long as existing stores have so much trouble. at this point, dollar stores may be too cheap to go much lower, dollar tree sells 14 times earnings, and when their historical multipliers are higher, however, there is no catalyst that can get that multiple to expand. no catalyst to drive this stock higher, and that makes buying them frankly a big no-no. you said to me, jim, give me something in the space. you want something in the space? i say go with cramer fave five below. five for you home gamers. i've been a big fan of this company since it became public in july, and -- philadelphia based and if
the low-ends retail environment is more competitive. they have to become more promotional, code word for more discounts. in order to hold their own, they vo have to put real pressure on margins. the higher payroll taxes on consumers, it's very hard to make the case that dollar stores can be owned here. it's true companies have big long-term growth stories, and they have to expand store base around the country. that's not a reason to buy them as long as existing stores have so much trouble. at...
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Jan 18, 2013
01/13
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CSPAN2
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this is posted by the national council for science and the environment. it's about an hour. >> our next plenary brings home many of these issues of cascading disasters and multiple events impacting each other on a more regional scale. this we look at the gulf coast. we are all familiar with the wide range of issues that upset the gulf coast raging from hurricanes, what plans to the impact they have on the deepwater horizon. today speakers on the panel marcia mcnutt, the director of the u.s. geological survey. jerome zringue. i'm hoping i am pronouncing -- zringue, excuse me. the executive director for the coastal protection and restoration of a ready of louisiana and the team of the gulf of mexico alliance, which is a group of leaders from all of the gulf coast states. nancy rabalais from the university marine consortium. i said also say about nancy that she was recently awarded one of the macarthur genius prizes. so congratulations, nancy. the fourth speaker is bernie goldstein deride i've known him a very long time. he is a public health expert. he is b
this is posted by the national council for science and the environment. it's about an hour. >> our next plenary brings home many of these issues of cascading disasters and multiple events impacting each other on a more regional scale. this we look at the gulf coast. we are all familiar with the wide range of issues that upset the gulf coast raging from hurricanes, what plans to the impact they have on the deepwater horizon. today speakers on the panel marcia mcnutt, the director of the...
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113
Jan 18, 2013
01/13
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CSPAN
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eye 113
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balance that thing that makes america so great which is the rule of law and having order and creating an environment where people can thrive because there is that order. but also understanding we live in a globe where we should be the leaders and have to interact. that's where our children's future are is being a part of this global economy. that's not something we can easily avoid,host: galas on the. thank you for waiting. caller: right now i see that new york's services for the mentally ill are being sanitized because of the union's and pensions -- are being sabotages because of the unions and pensions. i just want to know why pensions are being blamed for everything. i pay into my own pension. host: ok. do you have a question, or is that your statement? caller: why are pensions being blamed for the budget problems? host: thank you for the call, gail. guest: i do not think pensions are being blamed, it is just a mathematical reality. when you look at budgets, obligations, there is no doubt that there are some areas and some places where we have overextended our obligations. we have promised to muc
balance that thing that makes america so great which is the rule of law and having order and creating an environment where people can thrive because there is that order. but also understanding we live in a globe where we should be the leaders and have to interact. that's where our children's future are is being a part of this global economy. that's not something we can easily avoid,host: galas on the. thank you for waiting. caller: right now i see that new york's services for the mentally ill...
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119
Jan 14, 2013
01/13
by
CSPAN
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eye 119
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that is a rich interest level in this environment. you have to wonder if the bank isn't holding on to your loan to maintain that high level of interest. i wonder if the might be worth your while to try to go to another bank and not refinance with the same company. it has become a much more difficult circumstances to get a mortgage because the banks are still recovering from all the bad loans that day made during the real estate mania. host: this idea of the debt to income ratio. that was something richard cordray talked-about. this is from american hero joe. explain this issue for us. guest: this goes to the heart of the ability to repay the loan. we do not want people taking on loans that they cannot afford to repay. 43% is the outside level. if your mortgage debt sure other debt -- car loans, credit cards -- exceed 43% of your growth or pre-tax income, then that is too much. that is a loan that is becoming too onerous and you might have trouble repaying. anything below 43% is acceptable as a qualified mortgage. anything above that s
that is a rich interest level in this environment. you have to wonder if the bank isn't holding on to your loan to maintain that high level of interest. i wonder if the might be worth your while to try to go to another bank and not refinance with the same company. it has become a much more difficult circumstances to get a mortgage because the banks are still recovering from all the bad loans that day made during the real estate mania. host: this idea of the debt to income ratio. that was...
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Jan 16, 2013
01/13
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we know and hear about economic impact repeatedly, but who speaks for the environment, and how can we keep that the boys drowned out as a difference for -- voice from being drowned out as a result of a difference of relationships? how do we close the cycle of latency and try to understand where we need information? >> let me start with a comment you made, which i found to be fascinating, that there is between a $11 and $30 for every dollar spent. an ounce of prevention is worth every cure. that is a 16 fold ratio. we know that. our policy has to put that in place. we need a baseline. of course we do. the only thing forcing the baseline is smart companies, and they may as well get a baseline, because they will show we started which dirty water, but there are no resources to get the baseline. we know we need to drill the northeast over the next couple days. -- decades. we need that baseline. we need it desperately, and we needed for human health as well. lots of different communities have different kinds of diseases. they come in clusters. when there is a group of kids with autism or ad
we know and hear about economic impact repeatedly, but who speaks for the environment, and how can we keep that the boys drowned out as a difference for -- voice from being drowned out as a result of a difference of relationships? how do we close the cycle of latency and try to understand where we need information? >> let me start with a comment you made, which i found to be fascinating, that there is between a $11 and $30 for every dollar spent. an ounce of prevention is worth every...
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Jan 15, 2013
01/13
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now, within the interior and environment appropriations there's money for wastewater and sewer treatment projects, things that haven to be done -- have to be done. we have to provide that money. i think we have about a billion and a half dollars to do that. certainly if we september the rogers-frelinghuysen -- if we accept the rogers-frelinghuysen amendment. and this bill is whole with that amendment which we should strongly support. there's an amendment to require -- to take away mr. frelinghuysen's effort to allow a waiver on historic preservation. well, yes, it should be done. these localities don't have that kind of money. and a lot of the revenue coming into these economies is coming from tourism. they come to see historic structures. they come to see the way that many parts of the northeast were. when we were building the foundation of this country. that money should be made available in whole with federal dollars. mr. frelinghuysen's amendment is right on point. it needs to be included. so i know i'm getting to -- i've got a good speech written to thank you. we've got wonderful st
now, within the interior and environment appropriations there's money for wastewater and sewer treatment projects, things that haven to be done -- have to be done. we have to provide that money. i think we have about a billion and a half dollars to do that. certainly if we september the rogers-frelinghuysen -- if we accept the rogers-frelinghuysen amendment. and this bill is whole with that amendment which we should strongly support. there's an amendment to require -- to take away mr....
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Jan 14, 2013
01/13
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that is a very rich interest level, in our current interest- rate environment. you have to wonder if the bank is not just holding on to your loan to maintain a high level of interest? but i wonder if this may be worth your while to try to go to another bank and not refinance with the same company. it has become a much more difficult circumstance to get a mortgage because the banks are still recovering from all of the bad loans that they made during the real-estate mania. >> one other issue that was brought up was the issue of debt-income ratio, and this is something richard spoke about and what he would do with the qualified loans. american hero joe says, what did he mean by 20% of the grossly month in come? explain this issue for us? >> this goes to the heart of the ability to repay the loan issue, that described a little bit ago. we don't want people taking on loans they cannot afford to repay, that leads us to problems. what they have decided is that 43% is the outside level, if your mortgage debt, plus or other debt, with car loans or consumer debt or credit
that is a very rich interest level, in our current interest- rate environment. you have to wonder if the bank is not just holding on to your loan to maintain a high level of interest? but i wonder if this may be worth your while to try to go to another bank and not refinance with the same company. it has become a much more difficult circumstance to get a mortgage because the banks are still recovering from all of the bad loans that they made during the real-estate mania. >> one other...
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Jan 15, 2013
01/13
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and that's my concern for the environment that we have. and, again, i think it crosses both sides of the aisle. the environment we have now, brookings can come up with some really good solutions. i have confidence in that. i don't have confidence that they'll be received in a way that makes them effective. >> okay. bobby, your ideas on improving government performance. like, if we made you czar for a week, what changes would you make? >> well, first, i'd like to private industry because i really do think the performance-based cultures that we talked about are critical. and there's just so much inefficiency in government. i do think there's examples at the state level, and i'll go to my state in michigan and mention a few. things that can be done. grand rapids, there which is a n the west side of michigan in southeastern michigan, had created a virtual city. even though we're on opposite sides of the state, they actually collaborate on services like health care pooling, and grand rapids has also done the same thing with flint and lansing to
and that's my concern for the environment that we have. and, again, i think it crosses both sides of the aisle. the environment we have now, brookings can come up with some really good solutions. i have confidence in that. i don't have confidence that they'll be received in a way that makes them effective. >> okay. bobby, your ideas on improving government performance. like, if we made you czar for a week, what changes would you make? >> well, first, i'd like to private industry...
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Jan 17, 2013
01/13
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you just can't ignore the interplay between biology and environment. >> what about the fact that we talk about the irish or the native american indians. is it a lack of tolerance? is there a term for it? >> no, no, no. there's a genetic factor and an environmental factor. but the bottom line is we know how to deal with this. prevention, prevention, prevention. nine out of ten addicts started when they were teenagers. if the brain is still developing and you hijack it, you're permanently -- >> you don't like these laws legalizing marijuana? >> no, i don't. i think we need the public health community to weigh in here. so we need to be mindful, and not jump into this. >> like joe camel and that kind of stuff. >> exactly. liquor stores. liquor stores are places where people are going to abuse liquor and have easy access. >> this is too hot. the hottest topic in this country right now is gun safety. your family has been victimized. because of your family being victims, we are all victims. what is your feeling? >> it's not just the person that's killed, like my uncles. it's the whole family. s
you just can't ignore the interplay between biology and environment. >> what about the fact that we talk about the irish or the native american indians. is it a lack of tolerance? is there a term for it? >> no, no, no. there's a genetic factor and an environmental factor. but the bottom line is we know how to deal with this. prevention, prevention, prevention. nine out of ten addicts started when they were teenagers. if the brain is still developing and you hijack it, you're...
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Jan 18, 2013
01/13
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you can't ignore the complex interplay between biology and environment when it comes to this illness. >> what about the ethnic factor? we always talk about the irish or the native american indians. is it lack of tolerance? what's the terms? is there a term for it? is there legacy? >> no, no, no. there's a genetic factor and there's an environmental factor. but the bottom line is we know how to deal with this. prevention, prevention, preen. nine out of ten addicts started when they were teenagers. if the brain is still developing and you hijack it with the use of experimentation of marijuana, drugs, you're -- >> you don't like these laws legalizing marijuana. >> no, i don't. i think we need the public health community to be -- weigh in here because we already know what the liquor industry and the tobacco industry have done to our country in targeting kids. and so we need to be mindful and not rush into this -- >> like joe camel, that kind of stuff. >> exactly. joe camel. liquor stores are in places where you know that there are people who are going to abuse liquor and are going to have
you can't ignore the complex interplay between biology and environment when it comes to this illness. >> what about the ethnic factor? we always talk about the irish or the native american indians. is it lack of tolerance? what's the terms? is there a term for it? is there legacy? >> no, no, no. there's a genetic factor and there's an environmental factor. but the bottom line is we know how to deal with this. prevention, prevention, preen. nine out of ten addicts started when they...
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Jan 16, 2013
01/13
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. >> one what are the things you think you can do in this environment? by the way, i talked to bankers who say, you know what, i don't know if anyone's going to trust us. first of all i'm not sure anyone did historically trusted banks. >> agreed. >> and that it may never get that much better until, frankly, the economy gets better and the unemployment picture gets better. >> i would sake exception with never. i think there have been times in the past when the banker was your friend. you knew you could go down and get a loan if you needed to buy a house. you didn't worry about whether you could qualify. you worried about, you know, what house you wanted to buy. those are the types we need to get back. to frankly, banking's only one part of the financial services industry. this is a very broad, very wide industry. markets are driven based on people's confidence in their future, their willingness to invest in something they think has a better future than the current times. so earning that confidence. you know, financial advisers in our industry, professiona
. >> one what are the things you think you can do in this environment? by the way, i talked to bankers who say, you know what, i don't know if anyone's going to trust us. first of all i'm not sure anyone did historically trusted banks. >> agreed. >> and that it may never get that much better until, frankly, the economy gets better and the unemployment picture gets better. >> i would sake exception with never. i think there have been times in the past when the banker was...